BlastPoint's Credit Union Scorecard
GARY MUNICIPAL EMPLOYEES
Charter #16126 · IN
GARY MUNICIPAL EMPLOYEES has 2 strengths but faces 8 concerns
Key Strengths
Areas where this CU excels compared to peers
- + Net Interest Margin 1.84% above tier average
- + Net Worth Ratio: Top 2.1% in tier
Key Concerns
Areas that may need attention
- - ROA 0.39% below tier average
- - Efficiency ratio 29.48% above tier (higher cost structure)
- - Delinquency rate 6.19% above tier average
- - Total Deposits: Bottom 2.4% in tier
- - Total Members: Bottom 2.5% in tier
- - Total Assets: Bottom 3.2% in tier
- - Total Delinquency Rate (60+ days): Bottom 3.4% in tier
- - Total Loans: Bottom 3.5% in tier
NEW · Q2 2026 RECAP
Your Quarter, Wrapped
A 35-second highlight reel of your Q2 2026 — the wins worth celebrating and the one signal worth watching, pulled straight from your scorecard data.
Q2 2026 at a glance
- One of 2,437 credit unions with under $100M in assets nationally, and 1 of 71 that size in Indiana.
- Shares and deposits +0.0% year over year ($308K in shares and deposits).
- Membership: 137 members, +0.0% vs a year ago.
- Delinquency rate 7.73%.
- Return on assets 1.10%.
- Efficiency ratio 118.24% vs a 88.77% peer average.
- Loan-to-share ratio 48.46% vs a 58.89% peer average.
Data period: Q2 2026 NCUA call report. Animation disabled (reduced-motion preference). Full details in the metrics table below.
Core Metrics
As of 2026-Q2
| Metric | Current | vs Tier | Tier Avg | State Avg (IN) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
137
0% YoY+1.5% QoQ
|
-2.4K |
2,585
-1.7% YoY
|
23,392
+5.7% YoY
|
34,678
+6.6% YoY
|
Bottom 2.4% in tier |
| Assets |
$536,527
0% YoY-1.4% QoQ
|
$-29.7M |
$30.3M
+1.5% YoY
|
$404.4M
+8.2% YoY
|
$593.1M
+10.2% YoY
|
Bottom 3.1% in tier |
| Loans |
$149,368
0% YoY+18.3% QoQ
|
$-15.3M |
$15.5M
-1.7% YoY
|
$288.6M
+8.1% YoY
|
$418.6M
+10.1% YoY
|
Bottom 3.4% in tier |
| Deposits |
$308,242
0% YoY-3.3% QoQ
|
$-25.5M |
$25.8M
+1.1% YoY
|
$337.5M
+7.0% YoY
|
$504.8M
+10.3% YoY
|
Bottom 2.3% in tier |
See Your Full Scorecard
Unlock complete metrics, rankings, and AI-powered insights — always free
✓ Check your email for the access link!
Want to see an example first? Preview Navy Federal's scorecard →
| ROA |
1.1%
-200.0% YoY-136.2% QoQ
|
-0.4% |
1.5%
+241.5% YoY
|
1.6%
+105.9% YoY
|
1.2%
+121.4% YoY
|
65% |
| NIM |
5.7%
0% YoY+7.3% QoQ
|
+1.8% |
3.9%
+0.9% YoY
|
3.9%
+3.1% YoY
|
3.8%
+2.3% YoY
|
Top 4.8% in tier |
| Efficiency Ratio |
118.2%
0% YoY-23.6% QoQ
|
+29.5% |
88.8%
-6.9% YoY
|
105.3%
+31.6% YoY
|
83.0%
-5.3% YoY
|
Bottom 5.5% in tier |
| Delinquency Rate |
7.7%
0% YoY+1327.7% QoQ
|
+6.2 |
1.5%
+2.1% YoY
|
1.6%
+32.0% YoY
|
1.3%
+2.6% YoY
|
Bottom 3.4% in tier |
| Loan To Share |
48.5%
0% YoY+22.3% QoQ
|
-10.4% |
58.9%
-3.1% YoY
|
68.6%
+0.4% YoY
|
66.4%
-1.4% YoY
|
34% |
| AMR |
$3,340
0% YoY+1.3% QoQ
|
$-12K |
$14,963
-6.8% YoY
|
$18,349
+1.6% YoY
|
$20,028
-0.9% YoY
|
Bottom 4.8% in tier |
| CD Concentration | 0.0% | -24.6% | 24.6% | 19.4% | 20.0% | 50% |
| Indirect Auto % | 0.0% | -13.6% | 13.6% | 11.1% | 7.7% | 50% |
Signature Analysis
Strengths (0)
Concerns (0)
Metric Rankings
See how this credit union ranks across all tracked metrics compared to peers.
Strengths: Metrics in the top 25% (75th percentile or higher) Concerns: Metrics in the bottom 25% (25th percentile or lower)